Victor Stone

Love learning, especially about the universe🛸👽

[Victor Stone @DrCyborg]

@TreciaKS In my college my teacher would watch tutorials online while in class, and then try to explain when she herself didn't understand what was going on😂😂 and we asked questions regarding the topic she would ask us to refer to Google and YouTube. College was such a waste of money 🤡

[Equity Insights Elite @EquityInsightss]

Observe why Kotak Bank, HDFC Bank & Bajaj Finance got de-rated.

Just check the EPS growth trajectory.

Pre FY20, there were very few financials which delivered consistent & solid growth. HDFC Bank, Kotak Bank, Bajaj Finance were among the few names which delivered predictable compounding.

FY15-20 EPS CAGR:
HDFC Bank - 18%
Kotak Bank - 18%
Bajaj Finance - 37%

Because of this consistency, the market gave them premium valuations.

But post FY20, many things changed. More financials started doing well, SBI & ICICI Bank witnessed a solid turnaround.

FY20-26 EPS CAGR:
ICICI Bank - 31%
SBI - 26%

At the same time, growth moderated for earlier premium names

So the question for the market became simple - why give a very high premium to only a few names when broader financials are also delivering strong growth?

That is why multiples compressed for HDFC Bank, Kotak Bank & Bajaj Finance.

FY15-20 & FY20-26 growth rates clearly explain the difference.

[Manikanth Devarakonda (SEBI Reg. RA) @Manimoneyyyyy]

A senior manager at a Gurgaon fintech company was about to get fired in layoffs.

Instead of updating his resume, he did something clever.

He created a fake investor deck saying his team had built an AI product that could save the company ₹40 crore.

He presented it in the town hall.
The CEO loved it. Delayed layoffs. Gave him a promotion.

6 months later the "AI product" was exposed as complete bullshit.

He still got a golden handshake of ₹85 lakh.

Moral: In corporate finance, storytelling often pays better than actual results.

[𝒢𝒾𝓁𝒷ℯ𝓇𝓉 @AbakpaJob]

Sharpening a pencil at the bin was the childhood equivalent of taking a cigarette break

[mayerr @ymmayerr]

We are literally paying premium prices for the worst version of society we have ever lived in. I need a refund.

[Brian Feroldi @BrianFeroldi]

Reading books is great, but some investing lessons can only be learned the hard way.

[Pratham @Prathkum]

AI is dangerous because it creates an illusion that makes you feel like an expert.

[Prashant Bhushan @pbhushan1]

Absolutely true!

[TOP G @menscoach1]

I once asked a man why he works so hard even when he looks tired all the time.

He smiled and said, “Because being broke is more exhausting.”

That answer stayed with me.

A lot of men are not chasing luxury.
They’re just trying to escape pressure.

[Louise Jensen Duffy (also Ernest Jensen) @LouiseWeebe]

When you study history you realise that people have been this stupid for thousands of years.

[Reginald @ginald87]

You can see a man financial status through their haircut.

[Janet Machuka @janetmachuka_]

Someone said that the poverty of a country is planned. That statement stuck with me.

[Reads with Ravi @readswithravi]

I’m in love with this sentence:

“The art of not being ready and doing it anyway will take you so far.”

[𝕷𝖚𝖈𝖎𝖋𝖊𝖗 @LucifersTweetz]

It’s a pretty horrible time to be alive if you have morals and a conscience.

[Sama Hoole @SamaHoole]

Activist: "Your cows are putting carbon into the atmosphere."

Farmer: "Where did they get it?"

Activist: "What?"

Farmer: "The carbon. Where did the cow get it before it put it anywhere."

Activist: "From... eating?"

Farmer: "From eating grass. And where did the grass get it."

Activist: "The soil?"

Farmer: "The air. The grass pulled it out of the air last spring. The cow ate the grass. The cow breathed some of it back out. It went back into the air it came from."

Activist: "But it's still going into the atmosphere."

Farmer: "It's going back. There's a difference between a thing going somewhere and a thing going back. You've described a circle and you're frightened of it."

Activist: "Then just don't have the cow."

Farmer: "The grass still dies in autumn. It rots where it falls. The carbon goes back into the air either way, just without anyone getting fed in the middle."

Activist: "It's not that simple."

Farmer: "It's grass, cow, breath, grass. Or it's grass, rot, air, grass. Same circle, fewer dinners. If that's complicated for you I'd stay away from the water cycle. That one's got clouds in it."

[Mudzunga @Dzungie007]

The saddest thing about youth unemployment is that many young people did exactly what society told them to do: study, qualify, work hard. Yet opportunities remain out of reach.

[Sama Hoole @SamaHoole]

When butter was demonised, Unilever sold margarine.

When tallow was demonised, Procter and Gamble sold Crisco.

When eggs were demonised, Kellogg's sold cereal.

When red meat was demonised, Cargill sold soy.

When raw milk was demonised, Nestle sold infant formula.

When leather was demonised, BASF sold PVC.

When wool was demonised, ExxonMobil sold polyester feedstock.

When animal fat was demonised, the seed-oil industry grew from a niche product to the most consumed food ingredient on earth.

Every demonisation of an animal product made a specific group of shareholders very rich.

Every one of those products had been eaten by humans for thousands of years without incident.

The science changed the moment a substitute existed to sell.

Follow the money. The advice will start to make a lot more sense.

[𝒢𝒾𝓁𝒷ℯ𝓇𝓉 @AbakpaJob]

70 and 80 year old people are generally unemployable due to physical and mental decline but for some reason we allow them to run the entire fvcking country.

[𐙚⋆ @voidwithverses]

“Until the lion learns how to write, every story will glorify the hunter.”

— African Proverb

[𐌁𐌉Ᏽ 𐌕𐌉𐌌𐌉 @OrevaZSN]

The minimum wage should cover rent, food, healthcare, children’s education, and transportation. If it doesn’t, then it’s neither a minimum wage nor a living wage. And I’m not arguing about it with anyone.